# BudgetOS — Smart Tracker — Track bills, expenses & money

> Personal finance tracker for bills, expenses, and money management. (iPhone/iPad app by IN-DEV SOLUTIONS INC..)

- Source: https://appshunter.io/ios/app/budgetos-smart-tracker/id6775109831 (this page in markdown: same URL + `.md`)
- Developer: [IN-DEV SOLUTIONS INC.](https://appshunter.io/developer/6775109833)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 15.0 · 20 MB
- Languages: American English
- Released: 2026-06-16
- Data updated: 2026-10-28
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/budgetos-smart-tracker/id6775109831/reviews.md

## What is BudgetOS?

Money stress is usually just missing information. BudgetOS turns the chaos of statements, bills and goals into one calm, clear picture — so you always know where your money goes.

Import a statement from Canada's major banks, watch every transaction sort itself into categories, and finally feel in control.

In the U.S., connect your bank or card through Plaid (read-only); statement import supports Canadian bank formats and CSV.

WHAT YOU CAN DO
• Import bank statements — PDF or CSV from RBC, TD, CIBC, Scotiabank, BMO, Wealthsimple and more. Read on your device, then auto-categorized.
• See your spending on a calendar — a colour-coded heatmap that surfaces your heavy days at a glance.
• Set budgets that stick — a live limit per category with plain nudges instead of guilt trips.
• Give yourself a wants number each month and see wants, not-planned and the small stuff beside what's left.
• Plan ahead — a projected calendar maps your bills, subscriptions and expected expenses across the month.
• Reach your goals — set a target and BudgetOS projects your pace, so "someday" finally gets a real date.
• Stay on top of bills & subscriptions — due dates, effective monthly cost, and automatic recurring-charge detection.
• Get a daily health check — spending pace, savings outlook, and which categories are under budget.
• Make it yours — light, dark or automatic themes, accent colours, and a customizable home screen.

PRIVATE BY DESIGN
• Statement files are parsed on your device — a file is sent to us only if you choose to send it for import help, and is deleted from our storage within 90 days. Every figure is verified to the penny against your statement.
• Every account is isolated with database-level security.
• Passwords are hashed — never stored in plain text — and checked against known breaches.
• Optional Face ID / Touch ID lock. No ads, no third-party data brokers, and we never sell your data.

Free to start, with everything you need to build the habit. Canadian-owned.

Start budgeting smarter today.

SUBSCRIPTIONS

BudgetOS Plus — $5.00 CAD per month, or $50.00 CAD per year.
BudgetOS Premium — $10.00 CAD per month.

Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the current period ends. You can manage or cancel your subscription in your Apple Account settings after purchase. Deleting the app does not cancel a subscription.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://budgetos.ca/privacy.html
Terms of Service: https://budgetos.ca/terms.html

## Key features

- Import bank statements (PDF/CSV)
- Auto-categorize transactions
- Spending heatmap calendar
- Live budget limits per category
- Projected expense calendar
- Bill and subscription tracking
- Daily financial health check

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| BudgetOS Paid | $4.00 | per month |
| BudgetOS Premium | $7.00 | per month |
| BudgetOS Plus (Annual) | $40.00 | per year |


## Is BudgetOS safe?

Not enough ratings yet to assess BudgetOS.

## Is BudgetOS legit?

BudgetOS — Smart Tracker has limited verification signals. The AppsHunter Legitimacy Score for BudgetOS is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/budgetos-smart-tracker/id6775109831/reviews.md

### 5/5 — Very well thought out tool

*2026-06-20*

Great functionality

### 5/5 — Easy & Practical Budgeting Tool

*2026-06-19*

I found this app to be a very easy way for me to track my finances. I can access everything at the touch of a button and find the budgeting tools extremely insightful.

### 5/5 — Great budget app

*2026-06-17*

This app is very straightforward to use. Easy, clean design which makes it simple to organize my finances. Truly an all in one budget app! Great app, highly recommend!

## Frequently asked questions about BudgetOS

### What banks does BudgetOS support for statement import?

BudgetOS supports statement imports from Canada's major banks including RBC, TD, CIBC, Scotiabank, BMO, and Wealthsimple. You can import statements as PDF or CSV files.

### How does BudgetOS handle my financial data privacy?

BudgetOS is designed with privacy in mind. Statement files are parsed on your device, and any sent files are deleted within 90 days. Bank logins remain with your bank, and data is secured with database-level security and encrypted passwords.

### What are the subscription options for BudgetOS?

BudgetOS offers 'BudgetOS Plus' for $5.00 CAD per month or $50.00 CAD per year, and 'BudgetOS Premium' for $10.00 CAD per month. A free version is available to start.

### How can I cancel my BudgetOS subscription?

You can manage or cancel your subscription in your Apple Account settings after purchase. Auto-renewal must be turned off at least 24 hours before the end of the current period. Deleting the app does not cancel a subscription.

### Does BudgetOS have ads?

No, BudgetOS is ad-free. The app explicitly states 'No ads' and emphasizes that they never sell your data.

### What devices is BudgetOS available on?

BudgetOS is currently supported on iPhone and iPod devices. The age rating for the app is 17+.

### How often is BudgetOS updated?

The latest version of BudgetOS is 2.0.3, last updated on August 27, 2026. This indicates a relatively frequent update schedule.

### What is the main benefit of using BudgetOS?

The primary benefit of BudgetOS is transforming financial chaos into a clear picture, helping users understand where their money goes, feel in control, and achieve their financial goals.

## Version history (last 5 releases)

### 2.0.5 — 2026-10-06

Planned, or not.

Give yourself a wants number on the 1st; Home shows wants spent against it, the small stuff under $25 in one line, and big purchases ask once when they land: planned, or not. Business spend stays out of your month.

• Transactions: where it went, as cards — wants, small purchases, categories and money moved, each a tap from its list.
• Vape, cannabis and liquor purchases go to categories you choose, each kind its own, from a row you can reopen.
• Eating out is its own category.
• Merchant rules match the merchant name, with a one-tap fix for rules that catch too much.
• A weekly check-in — Sunday's wants, Monday's number.
• Home leads with what's left to spend; days, months, cards and net worth one tap each.
• Accounts: one plate per bank, one balance, one word per row.
• Your next 30 days, week by week — tap a week for the details.
• Your profile picture: pick an avatar or use your own photo.
• Categories have their own colours now. Green, red and amber mean only one thing each: good, over, attention.
• Springs that answer your thumb, and a Motion setting if you'd rather they didn't.
• Connecting a bank is a shorter read: four facts up front, full details one tap away.
• Story asks before it sends anything to our AI provider.
• Cancel or manage your plan in one tap.
• Smoother statement imports across more banks, plus legibility fixes.

Thanks for the notes you send us — we read every one.

### 2.0.3 — 2026-08-27

BudgetOS is now on your Home Screen.

SIX NEW WIDGETS (small, medium and large sizes)
• Yesterday — yesterday's total, top categories and a 3-day trend.
• Left to Spend — the room left in this month's budget, also on your Lock Screen.
• Coming Up — your next bills and when they land.
• Where it's going — spending by category, closest to its limit first.
• Goals — how far along each of your goals is.
• Quick Stat — choose the number you want at a glance (iOS 17+).
Amounts hide automatically while your phone is locked.

MORNING RECAP
Your first open of the day starts with a quick Yesterday sheet — pull it up for a day-by-day look at the past 3 days, including your biggest purchase.

SMOOTHER TRANSACTION EDITING
Fixed a bug that could dismiss the keyboard mid-word while editing a transaction, plus smaller polish across the form.

### 2.0.2 — 2026-08-22

• Fixed a crash that could make BudgetOS unusable after your monthly Money Note was generated. Updating clears it.
• You can now report AI-written text. Your Money Note and your Story each have a Report link if something reads wrong, unhelpful, or inappropriate.
• Clearer messages when a purchase or a restore can't be completed.

### 2.0.0 — 2026-08-19

BudgetOS 2.0 — the biggest update we've ever shipped.

Your spending has a story. Start reading it today.

YOUR BANKS, CONNECTED
Link your Canadian banks and new transactions arrive on their own — already categorized, ready to check. Read-only: BudgetOS can see your accounts, never move your money. And your bank login stays with your bank.

MEET STORY (Premium)
Ask about your spending, budgets and goals in plain words — answered from your own numbers, never generic tips. Story describes your data; it doesn't give financial advice.

YOUR MONTH, READ BACK TO YOU (Premium)
At the start of each month your Money Note lands: one win, what changed, and one move worth making — written from your own figures.

HONEST MATH
Card payments and e-transfers between your own accounts are filed as money you moved — never counted as spending. Your totals finally add up the way the month actually felt.

AND THE REST
• Recurring, rebuilt — what repeats, what's due next, and what it costs you over a year.
• Search that understands what you're actually asking for.
• Every category wears its own emoji, on every screen.
• Prefer not to connect? Statement import still reads RBC, TD, CIBC, Scotiabank, BMO, Amex and Wealthsimple right on your device, to the penny.

Free stays free — imports, budgets and your number. Plus and Premium are there when you want more.

### 1.1.10 — 2026-07-18

New in this update:
• Import Capital One 360 savings and bank-account statements (PDF)
• Import Discover credit-card statements (PDF)
• Clearer privacy policy: plain-language wording on data deletion and the privacy laws that apply to you

As always: statements are parsed right on your device, and imports reconcile to the penny.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-28.*